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“Moni” is a Payday loan service offering 'short term high cost credit'. It operates in Argentina and Mexico.

“Moni” is a Payday loan service offering 'short term, high cost credits'. It operates in Argentina and Mexico. This service offers fast and small loans to be payed in a short amount of time. Given optimal conditions, a loan can even be accredited a few hours after it was requested. Because these loans have short payment times, Moni also gives the possibility of paying them in several quotas. This gives some leeway for making payments that would otherwise be huge in size, and therefore inconvenient. Lately, the service has been expanding into other market areas, such as cell phone credit and payment of invoices and utilities. Using its mobile app, you can request smaller loans that will be used to pay for your cell phone calls and invoices.

Project type Web & Mobile
Client Juan Pablo Bruzzo
Date 2012


We were contracted to build the first MVP. It took about 3 months of development to have the first system fully working to be presented to angel investors. One of the biggest challenges was to build a real-time smart loan system based on user’s background and financial status.

Planned Solution and Innovation

Due to the success of the platform in Argentina, the product will be launched in many other South American countries like Mexico, Brasil and Chile. The team is currently working to enhance and improve the current system architecture to support the expansion of the product.

  • Python / Django
  • JS / JQuery
  • Less
  • Postgresql
  • Grunt
  • Celery
  • Bootstrap
  • Underscore
  • Redis
  • API Rest
  • Mercadopago


Frontend refactor for mobile API compatibility Development of new core features (phone credit and invoice payment) Backend refactor for clearer separation of concerns between components Analysis of use metrics for assistance in business decisions making Integration with social media (Facebook, Google+)

Coverage Area

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